If the last time you looked at ACA plans was a few years ago, you may be paying more than you should. Subsidies were expanded and many households now qualify who didn't before.
What ACA plans cover
Every Marketplace plan covers the ten Essential Health Benefits, so no matter which plan you pick, the core protections are there:
- Ambulatory (outpatient) services
- Emergency services
- Hospitalization
- Pregnancy, maternity, and newborn care
- Mental health and substance use disorder services
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services / chronic disease management
- Pediatric services, including dental and vision for children
Subsidies — you may qualify for more than you think
Advance Premium Tax Credits lower your monthly premium based on household size and estimated income. Cost-sharing reductions can also lower your deductibles and copays if you qualify. We calculate what you may be eligible for before you enroll.
Pre-existing conditions are protected
ACA plans can't deny you coverage or charge you more because of a pre-existing condition. If a broker or 'short-term' plan is telling you otherwise, ask us — we'll explain the difference.
Re-shop every year
Plans, provider networks, and drug lists change annually. If you auto-renew without looking, you can end up in a plan that no longer includes your doctor or medication. We do a free plan review every Open Enrollment.
On and off Marketplace
We're independent, so we can compare on-Marketplace subsidized plans against off-Marketplace options from the same carriers. Sometimes the right answer isn't the one HealthCare.gov shows you first.